CM Punjab Maryam Nawaz Parwaz Card Scheme | Online Registration

The CM Punjab Maryam Nawaz Parwaz Card Scheme is a flagship initiative launched by the Government of Punjab to revolutionize youth empowerment and financial independence. This digital financial tool is designed to provide interest-free loans and career support to entrepreneurs, women, and skilled workers across the province.

CM Punjab Parwaz Card Registration Portal

The Government of Punjab has streamlined the registration process through a centralized digital system. The Parwaz Card registration is primarily hosted on the official Punjab Government Portal and integrated with the Punjab Small Industries Corporation (PSIC) and e-Khidmat Centers.

• Official Website: punjab.gov.pk
• Alternative Portal: psic.punjab.gov.pk
• Physical Assistance: e-Khidmat Centers located in all districts of Punjab.

The portal is designed to be user-friendly, allowing applicants to track their status in real-time using a unique Tracking ID generated after submission.

CM Punjab Parwaz Card Apply Online: Step-by-Step Process

To apply for the Parwaz Card, follow these simple steps to ensure your application is submitted correctly:

1. Account Creation: Visit the official portal and sign up using your CNIC and a valid mobile number. You will receive an OTP (One-Time Password) for verification.
2. Profile Completion: Fill in your personal details, including your permanent address, educational qualifications, and current employment status.
3. Select Loan Tier: Choose between Tier 1 (Small-scale loans up to Rs. 5 Lakh) or Tier 2 (Large-scale loans up to Rs. 30 Lakh).
4. Business Plan Upload: For new entrepreneurs, upload a detailed business feasibility report. Existing business owners must provide proof of their business operations.
5. Document Submission: Scan and upload the required documents (CNIC, NTN certificate, etc.).
6. Final Review & Submit: Review all information for accuracy and click “Submit.” You will receive a confirmation SMS and an application tracking number.

Benefits of the Parwaz Card

The Parwaz Card is more than just a loan program; it is a comprehensive ecosystem for economic growth. Key benefits include:

• Interest-Free Loans (Qarz-e-Hasna): Borrowers are only required to repay the principal amount. There is 0% markup or hidden interest fees.
• High Financing Limits: Access to capital up to Rs. 3 million (30 Lakh) depending on the business requirements and tier.
• Flexible Repayment Terms: Loans can be repaid over a period of 5 years, with an initial 3-month grace period to help businesses stabilize.
• Digital Financial Identity: The card acts as a digital wallet, facilitating transparent disbursements and easy transactions.
• Special Priority for Women: A dedicated quota and relaxed terms are provided to women-led startups to encourage female participation in the economy.
• Green Business Incentives: Projects focusing on solar energy, waste management, or eco-friendly tech receive faster processing and additional technical support.

Eligibility Criteria for Parwaz Card

To maintain transparency and ensure the support reaches the right people, the following criteria must be met:

Feature	Requirement
Residency	Must be a permanent resident of Punjab (verified via CNIC).
Age Limit	Generally between 25 and 55 years for business loans.
Tax Status	Must have a valid NTN (National Tax Number) and be an active tax filer.
Credit History	Must have a clean e-CIB record (no history of bank defaults).
Business Location	The proposed or existing business must be located within Punjab.
Collateral	No collateral for loans up to Rs. 500,000 (Tier 1). Collateral/Guarantor required for Tier 2.

Required Documents

Ensure you have the following documents ready before starting your online application:

• Copy of CNIC (Front & Back).
• NTN Certificate (Proof of being a tax filer).
• Recent passport-size photograph.
• Business Plan or Feasibility Report (for startups).
• Copy of the latest utility bill (Electricity/Gas) for address verification.

Conclusion

The CM Punjab Maryam Nawaz Parwaz Card Scheme is a game-changer for the local economy, particularly for the youth who often struggle with high-interest rates from commercial banks. By providing a platform for interest-free financing and digital empowerment, the Punjab government is actively fostering a culture of entrepreneurship. If you are a resident of Punjab with a vision for a business, the Parwaz Card is your gateway to financial independence.